In Schertz, a typical home is worth $317,100 and typical rent is $1,659 a month. Compared with all of Guadalupe County, typical rent is 9% higher and typical household income is 8% higher.
Typical home value from Zillow, September 2021 to September 2026: from $292,542 to $308,811.
Typical rent
$1,786a month
▼ 1.5% less than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,633 to $1,786.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Schertz is in Guadalupe County. The FHA loan limit ($557,750 for a one-unit home), the fair market rents and the help on this page are those of all of Guadalupe County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Live Oak, the typical home value is $246,300: 22% less than in Schertz ($317,100).
2
Nearby, in Universal City, the typical rent is $1,315: 21% less than in Schertz ($1,659).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Schertz
What homes there are in Schertz, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Schertz
Guadalupe County
Texas
United States
Kind of home: Schertz and its comparisons
Measure
Schertz
Guadalupe County
Texas
United States
Detached house
86%
77%
64%
61%
Attached house
Unreliable estimate
1%
3%
6%
Building of 2 to 4
2%
3%
5%
8%
Apartments (5 or more)
8%
5%
21%
19%
Mobile home
4%
13%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Schertz, 9 in 10 homes are single-family detached houses; in Guadalupe County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or later
Schertz
Guadalupe County
Texas
United States
Year built: Schertz and its comparisons
Measure
Schertz
Guadalupe County
Texas
United States
Before 1960
5%
8%
12%
26%
1960–1979
13%
12%
21%
24%
1980–1999
27%
25%
28%
25%
2000–2009
26%
23%
18%
14%
2010 or later
29%
33%
21%
11%
In Schertz, half of the homes were built before 2002; in Guadalupe County, before 2003.
Homes in Schertz are bigger: 87% have 3 bedrooms or more; in Guadalupe County, 81%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K5%
$100K–$200K11%
$200K–$300K29%
$300K–$500K47%
$500K–$750K7%
FHA limit: $557,750
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Schertz and its comparisons
Measure
Schertz
Under $100K
5%
$100K–$200K
11%
$200K–$300K
29%
$300K–$500K
47%
$500K–$750K
7%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA loan limit for Guadalupe County is $557,750, and about 93% of owner-occupied homes in Schertz are worth less than that.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99914%
$1,000–$1,49924%
$1,500–$1,99928%
$2,000–$2,49919%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Schertz and its comparisons
Measure
Schertz
Under $500
Unreliable estimate
$500–$999
14%
$1,000–$1,499
24%
$1,500–$1,999
28%
$2,000–$2,499
19%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,126 a month
Guadalupe County: $1,968 a month
Without a mortgage
$680 a month
Guadalupe County: $632 a month
Owners with a mortgage
70%
Guadalupe County: 61%
Owning costs more in Schertz: with a mortgage, the typical cost is $2,126 a month; in Guadalupe County, $1,968. Without one, $680.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Schertz+50%
Guadalupe County+55%
Texas+65%
United States+53%
Typical rent
Schertz+26%
Guadalupe County+33%
Texas+34%
United States+33%
Typical household income
Schertz+15%
Guadalupe County+24%
Texas+27%
United States+29%
Change since 2015–2019: Schertz and its comparisons
Measure
Schertz
Guadalupe County
Texas
United States
Typical home value
+50%
+55%
+65%
+53%
Typical rent
+26%
+33%
+34%
+33%
Typical household income
+15%
+24%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Schertz rose 50%; in Guadalupe County, it rose 55%.
The typical rent in Schertz rose 26% over the same time; in Guadalupe County, it rose 33%.
Housing prices ran ahead of income in Schertz: typical income rose 15%, against +50% for home values and +26% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Schertz and its comparisons
Measure
Schertz
Guadalupe County
Texas
United States
Rental vacancy
8.6%
4.8%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
3.6%
4.8%
3.4%
People per household
2.75
2.78
2.69
2.53
Drive alone
73%
74%
71%
69%
Carpool
9%
10%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
16%
14%
14%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
There is more rental housing open in Schertz: 8.6% is empty and offered for rent, against 4.8% in Guadalupe County.
Much as in Guadalupe County, a household in Schertz has 2.75 people on average.
To get to work, 73% of workers in Schertz drive alone; in Guadalupe County, 74%.
Do the math
What would you pay each month for a home in Schertz?
A typical home is tight for the typical income
We start with a typical home in Schertz, worth $317,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Schertz, which is $99,948 a year. For that payment to be 28% of income, a household would need to earn about $120,302 a year.
The calculator's FHA and conventional loan limits are those of all of Guadalupe County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Schertz. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $11,099 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,807
at 7.18% · 30 years
Loan amount
$311,356
Total interest
$447,968
Paid off in
November 2056
Includes $5,355 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,332 a month
Tight
$2,332 to $2,998 a month
Your payment · 34%
Hard
more than $2,998 a month
Compared with the typical household income in Schertz ($99,948 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,109
Property tax
$425
Home insurance
$132
FHA mortgage insurance (MIP)
$140
You need at least $11,099 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $2,807; principal and interest $2,109.
The city and its county
Schertz and Guadalupe County
Schertz is in Guadalupe County, Texas. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Schertz
Map of Guadalupe County, Texas, with Schertz marked. Around it, the neighboring counties.
Schertz
Guadalupe County
Other cities with a page
Schertz's own numbers
Typical home value
$317,100
Typical monthly rent
$1,659
Typical yearly household income
$99,948
Households that own their home
78%
Effective property tax rate
1.61%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Guadalupe County
FHA limit, one-unit home
$557,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,441
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
7.1%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Guadalupe County.
A typical home in Schertz is worth $317,100: 4% above the county and 12% above Texas. With the typical household income in Schertz ($99,948 a year), a typical home costs 3.2 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Schertz3.2 years
Guadalupe3.3 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Guadalupe County
According to FHFA’s house price index, home prices in Guadalupe County rose 86% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Guadalupe County.
Yearly change in FHFA’s price index in Guadalupe County, 2016 to 2025
2016: +7.5% +7.5% 2016
2017: +4.6% +4.6% 2017
2018: +3.8% +3.8% 2018
2019: +7.8% +7.8% 2019
2020: +2.0% +2.0% 2020
2021: +13.8% +13.8% 2021
2022: +18.8% +18.8% 2022
2023: +7.1% +7.1% 2023
2024: +1.5% +1.5% 2024
2025: −1.7% −1.7% 2025
Change in FHFA’s price index in Guadalupe County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
−1.7%
+0.8%
+2.9%
5 years (2020–2025)
+45%
+44%
+47%
10 years (2015–2025)
+86%
+88%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Schertz next to Guadalupe County, Texas and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Schertz$317,100
Guadalupe$304,400
Texas$283,800
United States$332,700
Typical monthly rent
Schertz$1,659
Guadalupe$1,517
Texas$1,403
United States$1,413
Typical yearly household income
Schertz$99,948
Guadalupe$92,375
Texas$78,476
United States$80,734
See the full table
Schertz next to Guadalupe County and Texas
Measure
Schertz
Guadalupe County
Texas
U.S.
Typical home value
$317,100 ▲4% above the county
$304,400
$283,800
$332,700
Typical monthly rent
$1,659 ▲9% above the county
$1,517
$1,403
$1,413
Typical yearly household income
$99,948 ▲8% above the county
$92,375
$78,476
$80,734
Households that own their home
78% ▲1 points above the county
78%
63%
65%
Typical yearly property tax
$5,090 ▲17% above the county
$4,343
$4,232
$3,119
Effective property tax rate
1.61% ▲0.18 points above the county
1.43%
1.49%
0.94%
Renters with high rent for their income
46% ▼1 points below the county
47%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Guadalupe County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Schertz
For a typical $317,100 home in Schertz, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Schertz's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,807a month
Least cash to close
Down payment
$11,099
Cash to close
$20,612
Rate
7.18%
Mortgage insurance
FHA MIP · $140
Conventional, 5% down$2,749a month
Down payment
$15,855
Cash to close
$25,368
Rate
7.18%
Mortgage insurance
PMI · $151
Conventional, 20% down, no PMI$2,276a month
Down payment
$63,420
Cash to close
$72,933
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,569a month
Down payment
$47,565
Cash to close
$57,078
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Schertz
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,807
$11,099
$311,357
7.18%
FHA MIP · $140
$20,612
580
Conventional, 5% down
$2,749
$15,855
$301,245
7.18%
PMI · $151
$25,368
620*
Conventional, 20% down, no PMI
$2,276
$63,420
$253,680
7.18%
None
$72,933
620*
ITIN, 15% down (example)
$2,569
$47,565
$269,535
8.18%
None
$57,078
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Schertz is $1,659 a month: 9% above the county. In Schertz, 46% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Guadalupe County, by unit size. To pay the 2-bedroom one ($1,441 a month) without spending more than 30% of your income, you would need to earn $27.71 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Guadalupe County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,099
$21.13
$43,960
1 bedroom
$1,196
$23.00
$47,840
2 bedrooms
$1,441
$27.71
$57,640
3 bedrooms
$1,864
$35.85
$74,560
4 bedrooms
$2,163
$41.60
$86,520
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Schertz
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Schertz has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,830 in 78154 to $2,160 in 78108.
2 of the 2 are above the fair market rent for Guadalupe County ($1,441).
Fair market rent by ZIP code and size in Schertz, fiscal year 2027.
78108
$1,650
$1,790
$2,160
$2,790
$3,240
78154
$1,400
$1,520
$1,830
$2,370
$2,750
ZIP code2 bd3 bd
78108 $2,160$2,790
78154 $1,830$2,370
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Schertz when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 2 buildings with rents for lower incomes in Schertz. These are the largest.
Merritt Lakeside Senior Village1222 Borgfeld Rd, Schertz 78154176 low-income homes · In service since 2012
Clyde Ford Village719 Main St, Schertz 7815476 low-income homes · Run by Schertz Housing Authority · Average payment: $394 a month · Average wait: 17 months(210) 658-1001
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Guadalupe County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Schertz or Guadalupe County. The ones below are statewide in Texas: they work in Schertz the same as in the rest of the state.
Texas state program for first-time buyers: a 30-year mortgage with down payment assistance.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state program with down payment assistance for any buyer, not only first-time buyers.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return.Offered by Texas Department of Housing and Community Affairs (TDHCA).
No legal help resource on our list is for Schertz or Guadalupe County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Schertz and all of Guadalupe County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Schertz?
The typical home value in Schertz is $317,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Guadalupe County it is $304,400.
How much does it cost to rent in Schertz?
Typical rent in Schertz is $1,659 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Guadalupe County is $1,441.
What is the FHA loan limit in Schertz?
Schertz uses the FHA limit for all of Guadalupe County (2026): $557,750 for a one-unit home and $1,072,600 for a four-unit home.
How much property tax do owners pay in Schertz?
The typical homeowner in Schertz pays $5,090 a year, according to the U.S. Census Bureau. That is 1.61% of the home’s value; in Guadalupe County, the rate is 1.43%.
Where can I find free help to buy or rent in Schertz?
We found no HUD-approved counseling agencies with an office in Guadalupe County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
